The Innovation (Bid'ah) of Distancing in Congregational Prayer

...in the book of The Islamic Personality Vol. III, page 301 (Arabic edition) third line it states: The second: As for the branches, the failure to follow them is considered disobedience (fisq), and so it is not called guidance. I was told that the word “misguidance” (Al dhalaal) must be put instead of the word “guidance” (Al Huda). So, is the word here wrong? Thank you.

Murabaha as a concept is permissible according to Sharia, but I believe that the current reality of Murabaha in Islamic banks is contrary to the Sharia, especially with our people here in Palestine, where the customer specifies the commodity with the merchant and agrees with him on the price and concludes an agreement with the bank and the bank buys the commodity and delivers it to the customer and the…

With reference to the above topic I would like to ask:Is Zakat an individual ‘Ibadah that is obliged upon individuals only or is it obliged for companies as well?